April 9, 2015
If you aren’t aware, the Center for Financial Resources provides a variety of financial education classes, most of them for free. At the end of each class, we ask students to fill out an evaluation as a part of always improving our services. Last week I got some new feedback I had never gotten before. When asked to share something they learned and will use, one client responded with “Screw the banks!” Except their exact quote just a bit more ‘colorful’.
Let me be very clear, this is not a concept I in any way advocated for in my class. It was, unfortunately, one of those moments when one student shared a story and someone else only heard what they wanted to hear. “What kind of a story that would elicit such a response,” you ask? Well, let me share…. Read the rest of this entry »
December 8, 2014
It is always interesting to see the change in people’s reactions when they find out what you do for a living. On a recent hunting trip, I was one of several adult males in the shed while we were cutting up our deer. One individual that happened to stop by was cussing fairly regularly in conversation.
At some point, the fact that I had previously been in professional church work came up. His eyes went big and his face turned red in embarrassment as he apologized for his language. His jaw hit the floor when I grinned and said it was OK because we are all human. Oh yeah, I may have used a cuss-word of my own in there too.
I generally try to keep my language in control, but what can I say? When people least expect it, I like to go for the shock value. Read the rest of this entry »
August 4, 2014
“Tii-ii-ii-ime….. is on my side. Yes it is.” I’ll never forget that line of the song performed by The Rolling Stones. To be honest, it was the use of the song in the movie “Fallen” that really got it stuck in my head. I won’t ruin the movie for you, but let’s just say that the singing of that song was a sign of definite trouble. Read the rest of this entry »
February 3, 2014
Is homeownership in your future?
Trying to figure out the “right” time to buy?
Here are some tips to help you get started.
Read the rest of this entry »
January 14, 2014
Image courtesy of Victor Habbick
In the wake of data breaches and identity theft cases, our office has gotten several questions about security freezes and how they are different from fraud alerts.
Here’s the 411.
. Read the rest of this entry »
September 23, 2013
We’ve all heard them – those rumored stories of instant credit success – and wondered, “Is that really true?”
Image courtesy of winnond
The world of credit can seem like a lot of smoke and mirrors.
Here are 3 myths commonly heard by our financial gurus.
(and why you shouldn’t fall for them) Read the rest of this entry »
July 3, 2013
Image courtesy of khunaspix / FreeDigitalPhotos.net
If your identity is stolen, what will you do? Do you know your rights?
Knowing what to do is important because an identity thief can hijack your tax refund, alter your medical records, prevent you from getting credit or a job, and even borrow money in your name. Read the rest of this entry »
April 30, 2013
Fear of the unknown often prevents us from seeking the assistance we need. We hope to demystify the credit counseling process by explaining what to expect at an appointment with a counselor at Lutheran Social Services Consumer Credit Counseling Service.
March 14, 2013
In a relationship, one partner typically has control over the finances. Men are nearly three times more likely than women to have that control, but women typically live longer than their male partners.
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This discrepancy can, in some cases, end up causing serious financial stress for families. It is important for both partners to be prepared to handle the finances on their own if something should happen to their significant other.
In honor of Women’s History Month, here are 8 things every woman should know about her finances (no matter who controls the checkbook!) Read the rest of this entry »